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1051 White Oak Dr, Red Bud, IL, 62278

3beds
4baths
2,333sqft
$420,000
$180price/sqft
$3,121/moest. monthly cost
$124,840/yrincome needed

About This Home

Welcome to this well-maintained home in Red Bud, offering the perfect mix of space, functionality, and a backyard setup you’re going to love! The main level features 3 bedrooms and 2 full bathrooms, with a welcoming foyer that opens into a bright and inviting living room complete with a gas fireplace and windows on both sides that bring in tons of natural light. The space flows right into the breakfast room and kitchen, where you’ll find a center island, plenty of cabinet space, and a pantry, perfect for everyday living and entertaining! Just off the kitchen, the mudroom doubles as a convenient main level laundry space. Two additional bedrooms and a full bathroom are nearby, while the primary suite offers a walk-in closet and an attached bathroom with a walk-in shower. The finished lower level adds even more room to spread out with a large family room, wet bar, half bathroom, and an additional full bathroom with laundry hookups. There is also plenty of unfinished storage space with built-in shelving, giving you all the storage you need! Step outside and get ready for summer! The fully fenced backyard with a privacy fence features an in-ground pool and pool house, creating the perfect space to relax, entertain, and make the most of warm days! Additional updates include a new water heater, and the roof is equipped with durable 40-year shingles for long-term peace of mind. This home truly checks all the boxes with space, layout, and an outdoor setup that stands out!

Getting Around

22
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

5/10
Red Bud Elementary SchoolGrades PK-80.8 mi
10/10
Red Bud High SchoolGrades 9-120.7 mi

Construction

Condition

  • Year built: 2005

Materials

  • Construction materials: Brick,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Oven,Range,Refrigerator,Washer
  • Laundry features: In Basement,Laundry Room,Main Level,See Remarks

Basement

  • Has basement: Yes
  • Basement: Partially Finished,Full,Storage Space

Bathroom

  • Level: Main

Bathroom

  • Level: Lower

Bathroom

  • Level: Lower

Bedroom

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Breakfast Room

  • Level: Main

Family Room

  • Level: Lower

Features

  • Breakfast Room,Eat-in Kitchen,Entrance Foyer,Kitchen Island,Pantry,Shower,Storage,Vaulted Ceiling(s),Walk-In Closet(s),Wet Bar
  • Number of fireplaces: 1
  • Fireplace features: Gas,Living Room
  • Fireplace: Yes
  • Finished area below ground: 842
  • Finished area above ground: 1,491

Heating & Cooling

  • Heating features: Baseboard
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,333
  • Total interior livable area: 2,333 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Primary Bathroom

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 1312103500
  • Special condition: Standard

Features

  • Levels: One
  • Private pool: Yes
  • Pool features: In Ground,Salt Water
  • Patio & porch: Covered,Front Porch
  • Fencing: Back Yard,Full,Privacy,Vinyl

Lot

  • Lot size: 0.27 Acres
  • Features: Back Yard

Parking

  • Total spaces: 2
  • Parking features: Attached,Driveway,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Winter Weather
Cold Wave
Earthquake
Hail
Heat Wave
Inland Flooding
Lightning
Ice Storm

FEMA Declared Disasters Across Illinois Counties

Flood

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,123$25,476
Home Insurance *$368$4,416
Property Taxes $451$5,412
Electricity $179$2,153
Total$3,121$37,452
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$107,005/yr
40% on housing$93,630/yr
45% on housing$83,226/yr

Illinois FAIR Plan Programs

Illinois FAIR Plan Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,961Commercial: 62
Total Premiums$4.35M
Total Exposure$370.02M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 10.6%
10.6%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -0.4%
-0.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$180This listing

vs Other Active Listings

Avg $/sqft

ZIP 62278$200
Randolph County$101

vs Homes Sold Last Month

Median $/sqft

ZIP 62278$125
Randolph County$107

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-11Price change$425,000
2026-04-30Listed for sale$435,000
2026-03-28Listing removed--
2026-03-08Listed for sale$430,000
2005-04-12Sold$25,000

For Sale by Agent

AgentMonica Schmidt
BrokerageeXp Realty

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